Summary Provides a full range of banking services; assessing and handling customer accounts, obtaining and processing customer account information, and cross selling bank products and services. Strives to maintain and exceed goals & expectations set for this position.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
1. Opens new accounts and cross-sells additional retail products and services.
a Initiates discussion to determine customer needs.
b. Sells additional products and services through cross-selling, portfolio development and focusing on the needs assessment form.
c. Explains various account options such as single and joint ownership, business, IRA, funeral agreement accounts, repurchase paper, savings certificates, and checking account programs to customers.
d. Gathers, inputs, and verifies required personal information from customers, such as name, address, employment information, social security number, etc., according to established procedures while maintaining the highest level of security
e. Prepares and reviews new account paperwork with customer.
f. Receives and process initial deposits of cash, transfer of funds from other accounts, and/or sight drafts. Verifies all cash transactions and ensures authenticity of all negotiable items before acceptance according to policies and procedures.
h. Refers new business customers to Business Banking Officer for additional bank services.
i. Understands and follows the Customer Care program including with follow up guidelines for new & existing customers and working to cross sell and refer all banking products and services, including to other lines of business.
2. Services IRA Accounts. Provides maintenance services on existing accounts.
a. Completes withdrawal requests and renewals on certificates of deposit.
b. Handles Individual Retirement Account inquiries and transactions.
c. Informs customers of retirement account legal restrictions.
d. Gathers and inputs necessary personal information from customers.
e. Prepares documents such as trust/custodian agreement, disclosure statements, CDS, signature cards, etc.
f. Verifies and sends annual retirement account reports to customers, IRS, and the Social Security Administration, as needed.
g. Processes IRA distributions and verifies coding of accounts.
h. Processes mail requests from other financial institutions for IRA transfers.
I. Completes documentation for purchase or exchange of government bonds.
3. Responds to questions from customers and staff regarding retail bank products and services.
a. Responds to written and verbal requests or inquires. Researches customer and employee inquiries regarding retail bank product and services.
b. Processes and maintains check orders, deposits, withdrawal slips, debit card applications, internet banking enrollments, and bill pay checks.
c. Keeps informed of new and existing products and services.
d. Process customer change of address, name, and account related data, etc.
4. Maintains support records.
a. Files CD copies and signature cards.
b. Follows up on incomplete new account documentation.
c. Files new account applications.
d. Make courtesy phone call to maturing CD customers.
5. Completes all arrangements and documents for direct deposit.
a. Assists customers in contacting the Social Security Administration for direct deposit of customer accounts.
b. Completes forms for direct deposit of payroll, pensions, military allotments, etc.
c. Cashes certificates of deposit.
6. Maintains the safe deposit area. Duties include monitor safe deposit rental, admitting valid customers to safe deposit boxes, and performing audits of the department.
7. May provide backup in the following duties:
Performs teller cash handling duties.
Serves as back-up to receptionist.
8. Adheres to all State and Federal Banking regulations.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or general education degree (GED). A minimum of one year banking experience. Prefer at least one year Personal Banking experience and prior consumer lending experience.
Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
Ability to add, subtract, multiply, and divide. Ability to compute rate, ratio, and percent.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
To perform this job successfully, an individual should have knowledge of Spreadsheet software, Word Processing software, Internet, and e-mail.
Certificates, Licenses, Registrations
Other Skills and Abilities
Must be able to make timely decisions exhibiting sound and accurate judgment.
Must have reliable transportation and be able to drive to all bank locations using own transportation.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 60 pounds. Specific vision abilities required by this job include close vision and distance vision.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
Ames, IA 50010
VisionBank - 13 months ago
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